rdsEmergency hospital care
Eligible hospital stays, surgery and physician services.
Canadian Snowbird Travel InsuranceLeave the winter behind.
Leave the winter behind.
Not your peace of mind.
We research emergency travel insurance providers and feature coverage options designed for Canadian snowbirds, so you do not have to sort through providers and complicated policy language yourself.
- Compare multiple insurance providers
- Understand pre-existing-condition rules
- 24/7 emergency assistance while travelling
Compare providers side by side, then open the insurer's own quoting portal — no need to sort through complicated policy language yourself.
Multiple providers
compared side by side
Why Snowbyrds
We do the research, so you can travel with confidence.
Canadian snowbirds deserve clear guidance, not a maze of providers and policy language. Snowbyrds researches the market and connects you with coverage options designed for longer winter travel.
Researched and selected
We review travel insurance options and feature coverage suited to Canadian snowbirds.
Clear pricing
See your personalized price before you buy. Your premium is shown by the insurer you choose.
Canadian support
Get help from a real person in Canada when you need assistance with the quote process or locating policy information.
What Your Coverage Can Include
Emergency protection for the unexpected.
Emergency medical travel insurance is designed for sudden, unexpected illness or injury during your trip. Benefits depend on the plan you purchase.
Ambulance and transportation
Emergency ground or air transportation when medically necessary and approved.
Tests and medication
Eligible diagnostic tests and prescription medication required during an emergency.
Emergency dental care
Eligible emergency dental treatment, subject to the applicable policy limit.
Return to Canada
Transportation home when medically necessary and approved under the policy.
24/7 assistance
Access to the emergency assistance team identified in your policy documents.
Optional protection
Trip cancellation, trip interruption and baggage coverage may be available when included in the plan you purchase.
Coverage limits, deductibles, eligibility requirements, exclusions and approval requirements vary by plan. Review your quote and the applicable policy before purchasing.
Your Health
Coverage that respects your health history.
Many policies may cover stable pre-existing conditions. The required stability period depends on your age, medical condition and selected plan.
What “stable” means
A condition generally must remain unchanged for the period required by the selected plan. Always use the exact definition provided in your policy.
Changes matter
New symptoms, treatment, tests, referrals or medication changes may affect coverage.
Answer carefully
Complete every medical question accurately. Incomplete or inaccurate answers can affect your policy or claim.
Has your health changed recently? Contact Snowbyrds before purchasing and we will help you locate the relevant plan information. 1-888-815-7472
Destinations
Where to winter.
Explore southerly favourites Canadian snowbirds return to year after year.
Beach
Florida Gulf Coast
The classic snowbird circuit — sugar-sand beaches and golf mornings.
30% of snowbirds winter here
Desert
Phoenix & Scottsdale
Valley of the Sun — golf, hiking, and spring training under endless blue skies.
15% of snowbirds winter here
Coast
Rio Grande Valley
Warm Gulf waters, RV parks, and a slower pace along the southern Texas coast.
10% of snowbirds winter here
Desert
Palm Springs & Coachella
Desert resorts, poolside afternoons, and mountain sunsets across the Coachella Valley.
8% of snowbirds winter here
Lake
Lake Chapala
Canada's largest expat community in Mexico — Ajijic & Chapala on Mexico's largest lake.
6% of snowbirds winter here
Coast
Myrtle Beach
Grand Strand beaches, golf, and affordable coastal living in South Carolina.
5% of snowbirds winter here
The Migration
Where the flock goes.
From November to April, nearly a million Canadians swap snow for sun. Here's where the flock actually lands.
Leaflet © OpenStreetMap © CARTO
Click a marker to explore. Markers sized by share of Canadian snowbirds.
From the Advice Hub
Browse all advice Guidance worth reading before you go.
Travel Insurance Guides
Single-Trip vs Multi-Trip Travel Insurance for Canadian Snowbirds
One long winter away, or several trips a year? The right plan type depends on how you travel — and each has a catch worth knowing.
September 26, 2026 6 min read
Travel Insurance Guides
Pre-Existing Conditions and Travel Insurance: What Canadian Snowbirds Should Know
Most snowbirds have at least one condition they manage. Here's how travel insurance treats pre-existing conditions — and what to check before you buy.
September 26, 2026 7 min read
Travel Insurance Guides
How to Compare Snowbird Travel Insurance Beyond the Price
Price is the easy part. The differences that matter at claim time are in the wording. Here's how to compare snowbird travel insurance properly.
September 26, 2026 7 min read
How It Works
From quote to covered in four simple steps.
See your personalized options and purchase securely through the insurer's portal.
- 1
Get your quote
Open the insurer's own secure quote form for the provider you choose.
- 2
Enter your travel details
Add your destination, travel dates and traveller ages to see your personalized price.
- 3
Complete the health questions
If prompted, answer every medical question carefully and accurately.
- 4
Review and buy
Review the price, benefits, deductible, exclusions and policy wording. Purchase securely and receive your documents by email.
Frequently Asked Questions
Straight answers to common snowbird questions.
What does emergency medical travel insurance cover for Canadian snowbirds?
Depending on the plan, coverage may include eligible emergency hospital and physician services, ambulance transportation, diagnostic testing, prescription medication, emergency dental care and medically necessary transportation. All benefits are subject to the policy terms, limits, exclusions and approval requirements.
How much emergency medical coverage do I need as a snowbird?
Available coverage limits depend on the selected plan. Review the limit shown in your quote and policy, along with the deductible, exclusions and trip duration, before purchasing.
Does emergency medical travel insurance cover pre-existing conditions?
Stable pre-existing conditions may be covered when all applicable eligibility and stability requirements are met. The required stability period depends on your age, medical condition and selected plan.
Does my provincial health plan cover me in the United States or Mexico?
Provincial health coverage outside Canada is limited and may reimburse only a portion of foreign medical expenses. Review your provincial plan and consider emergency travel insurance for eligible costs not covered by it.
Still have questions? Visit our full FAQ page or contact our concierge.
Ready to travel south with peace of mind?
Compare providers side by side, then open the insurer's own quoting portal.